Our St. Louis mortgage experts are here to make the home loan process easy and simple for you!

Whether you are buying a home or refinancing a property, there are a lot of steps in the process. It can seem overwhelming but our team is here to help. The following information will help keep you on track.

Current pay stubs or tax returns for the past 2 years if self employed

Two months of bank statements

Two months of investment account statements

Life insurance policy (if applicable)

Two months of retirement account statements (if applicable)

Make and model of the cars you own

Auto loan information

Credit card information

Any personal loan information

If you already own real estate, you will need:

Mortgage account info

Home insurance information

Information on home equity account (if applicable)

The Sean Z Team prides itself on making the home loan process simple, straightforward and fast in the St. Louis area. Our highly experienced team of mortgage experts can help you take the first step toward the best financial solution for you and your family.

St. Louis Mortgage Experts

We study current interest trends daily so that we are always up-to-date not just with what’s happening now, but with what may be happening 6 months from now. Our goal is to get you locked into the best mortgage rate available for the loan that is right for your needs.

For all of your refinancing questions and concerns, trust our team! Call us today at (314) 361-9979 or fill out our online contact form.

MBS and the Treasury are in interesting times, see the attached graphs. MBS are approaching their best levels in the last 2 years and Treasuries are approaching their best levels in many decades. It is very interesting because there is usually a sharp reversal every time these levels are approached and a move higher, so you should jump on the refi opportunities. This could be the time they are pierced and moved lower though, not betting on it, just saying could be. The BrExit is the wild card here. Either way there a lot of people to help now and many who purchased recently who are in a position to take advantage of these rates too!

The Sean Z Team is on your side to walk you through the St. Louis home refinance process from beginning to end!

Are you thinking about refinancing your home loan? Are you trying to decide if refinancing your home now is the best financial path for you and your family? Our team will work with you to determine what your goals are and help you meet all of your needs.

3 Reasons to Refinance Your Home Loan

There are basically 3 reasons why you should refinance your home loan:

You want a lower interest rate: Because interest rates are continuing to dance around all-time lows, it doesn’t make sense to borrow money at a rate that is more expensive.

Get rid of one of your mortgages: If you have two mortgages on your home – now is a good time to refinance your home equity line of credit and consolidate the loans so that you’ll only have one payment.

Get a fixed-rate loan: You can get rid of your adjustable-rate mortgage and ensure the safer option of having a fixed-rate. It is a good choice when the interest rates are low.

If your monthly mortgage payment is leaving your wallet a little low every month, refinancing can definitely be helpful. Refinancing your home loan isn’t a complicated process when you enlist the help of Sean Z and his team of St. Louis mortgage experts.

When is a Good Time to Refinance?

When the value of your home rises or the interest rates drop is the ideal time to refinance your mortgage. You may also consider refinancing if the value of your house has made a significant increase.

When done right, refinancing your mortgage can lower your monthly payments, reduce the total amount owed to the bank or make good use of the equity you have built into your home. Sean Z will discuss all of your refinancing options and help you determine what is the right choice for you.

St. Louis Mortgage Experts

We study current interest trends daily so that we are always up-to-date not just with what’s happening now, but with what may be happening 6 months from now. Our goal is to get you locked into the best mortgage rate available for the loan that is right for your needs.

For all of your refinancing questions and concerns, trust our team! Call us today at (314) 361-9979 or fill out our online contact form.